Check your credit report for free at annualcreditreport .com. You can do this for free 3 times a year. If someone wants to charge you a fee to check your credit say, “No.” If someone wants to charge you a fee to “fix your credit” say, “No.” The only thing on a credit report that can be “fixed” is inaccurate information, and you can fix that yourself. Equifax, Experian and TransUnion are the three private reporting companies that keep track of personal credit histories.
Student loans, credit card payment, late payment, car loans, mortgages and information about judgments against you are listed on the credit report. Sometimes the information is wrong.
If the information is incorrect, write letters to the reporting agency and the creditor, with documentation that proves you paid your bill. Explain there’s an error and you want it fixed. Make sure to keep your original documents and send your letter by certified mail.
The credit reporting company must investigate. It usually takes about 30 days, and if there is an error the company and the credit bureau must correct it.